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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $310,678 | $108,912+185.3% | $100,383+209.5% | $145,959+112.9% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 12.19% | 57.96%-45.8pp | 49.26%-37.1pp | 561.95%-549.8pp |
| Employer contribution / active EE | $2,635 | $4,423-40.4% | $3,944-33.2% | $4,661-43.5% |
| Participant deferral / active EE | $4,825 | $8,451-42.9% | $8,086-40.3% | $6,689-27.9% |
| Admin fee / account holder | $2,388 | $9,690-75.4% | $7,900-69.8% | $13,398-82.2% |